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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $328,111 | $178,174+84.2% | $156,181+110.1% | $137,256+139.1% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 15.59% | 84.19%-68.6pp | 64.87%-49.3pp | 220.34%-204.7pp |
| Employer contribution / active EE | $6,436 | $4,972+29.5% | $4,294+49.9% | $4,156+54.9% |
| Participant deferral / active EE | $21,237 | $6,888+208.3% | $6,132+246.3% | $6,407+231.5% |
| Admin fee / account holder | $9,632 | $17,404-44.7% | $14,586-34.0% | $12,270-21.5% |